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Cost of Living Reaches An All-Time High, Pressures Mortgage Rates Higher

February 24, 2011 By Leave a Comment

Inflation fears are harming home buyers. The Cost of Living has reached a record level, surpassing the former peak set in July 2008. Mortgage rates would be rising more right now if not for the Middle East unrest.

Related posts:

  1. Mortgage Rates Buck Conventional Wisdom And Rise Despite The Plunging Cost Of Living Index
  2. The Cost Of Living Includes The Cost Of Gas And Food (And May Get More Expensive Through The Winter)
  3. Mortgage Rates Spike On Highest Cost Of Living Index Since 1991
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Cost vs. value: what home renovation projects have the greatest return?

January 28, 2011 By Leave a Comment
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Cost vs. value:  what home renovation projects have the greatest return? A new garage door, window replacement & minor kitchen remodels top the list for greatest ROI.  If you’re thinking about upgrades to your home, talk with your Realtor for guidance on what is appropriate for your neighborhood so as to not over improve your [...]

Filed Under: Buyer/Seller/Renter Resources, Eco-friendly, Real Estate Market Updates & Reports, S.F. Bay Area Lifestyle Tagged With: , , , , , , , , , , ,

FHA Loans: Opening Your Doorway to Homeownership in the S.F. Bay Area

January 27, 2011 By Leave a Comment

During the Great Depression, the federal government sought to create a stable platform for economic growth, and that platform was homeownership. Through bolstering the rate of homeownership, the feds felt citizens would be in a better position to give back to the economy.
With that in mind, in 1934, the Federal Housing Authority (FHA) was established. [...]

Related posts:

  1. FHA Home Loans Emerge As A Cheap Alternative For Low-Credit Score Homeowners
  2. An Appetite For Jumbo Loans Returns
  3. How The Recasting of Interest Only Loans Helps With Financial Planning
Filed Under: Mortgage Updates, Real Estate Market Updates & Reports Tagged With: , , , ,

Home Supplies Plummet, Home Sales Surge Putting Pressure On Prices To Rise

January 21, 2011 By Leave a Comment

According to the National Association of REALTORS®, seasonally-adjusted, annualized Existing Home Sales figures climbed by more than a half-million units in December as compared to November. It’s the 3rd straight month of home resale improvement nationwide.

Related posts:

  1. Home Supplies Plummet, Putting Pressure On Home Prices To Rise
  2. Home Inventories Plummet, Foreshadowing Higher Prices By Spring 2010
  3. New Home Supplies Plummet, Pressuring Home Prices Higher
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Building Permits Surge In December; Signals A Strong Spring Housing Market

January 20, 2011 By Leave a Comment

According to theCensus Bureau’s report, Housing Starts of single-family homes fell to 417,000 units on a seasonally-adjusted, annual basis. The figure marks a 9 percent drop-off from November, and is the lowest reading since May 2009.

Related posts:

  1. Housing Permits Spike For The Second Straight Month
  2. Today’s Signal That Home Prices May Have Already Bottomed: Building Permits
  3. Housing Starts Data Hints That Housing Will Expand Even After The Tax Credit Expires
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Latest Issue of Zephyr Real Estate S.F. Market Tracker

January 16, 2011 By Leave a Comment

Real Estate Update for San Francisco Homebuyers and Sellers courtesy of: Cheryl Bower DRE# 01505551 415.999.3450 cheryl@cbower.com Most Recent Sales citywide in the last 21 days: ****Sign up to the right for MarketTracker Sales Report**** In This Issue… San Francisco Market Overview Construction Update: 1080 Sutter Come Sail Away Your Own Castle to Keep San [...]

Filed Under: Real Estate Market Updates & Reports, What is Market Tracker? Tagged With: , , , , ,

Boost Your 2010 Tax Deductions By Making Your January Mortgage Payment A Little Bit Early

December 8, 2010 By Leave a Comment

Looking for an extra 2010 tax deduction? Consider making your January mortgage payment a few days early.

Related posts:

  1. Get Extra Tax Deductions In 2008 — Pay Your Mortgage A Few Days Early
  2. How To Squeeze Extra Tax Deductions From Your Mortgage In 2007
  3. How To Increase Your 2009 Mortgage Interest Tax Deduction
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WEEKLY HOT RATES for the week ending 11/9/2010 as provided by Guarantee Mortgage

November 13, 2010 By Leave a Comment

WEEKLY HOT RATES for the week ending 11/9/2010 as provided by Guarantee Mortgage Wow!  How low will rates go this year? This will certainly help buyers get into our pricey S.F. real estate market. 30 Yr Fixed Conforming to $417K     4.000% “1.000″ POINTS     APR = 4.128% 30 Yr Fixed Jumbo to $729,750.          4.250% “1.000″ POINTS      [...]

Filed Under: Mortgage Updates, Real Estate Market Updates & Reports Tagged With: , , ,

10% down and not FHA!

November 11, 2010 By Leave a Comment

Property type: Three-bedroom, two bath in Half Moon Bay
Appraised value: $585,000
Loan amount: $508,000
Loan type: 30yr fixed
Rate: 5%
Back story:
For a long time in this economy the only way to do a 10% down mortgage was through FHA. This loan makes the blog because it was the first loan we’ve done in a long while [...]

Related posts:

  1. 6-figure debt, mortgages stood in way of his client
  2. Taking advantage of interest costs can change your situation!
  3. Why is having a close relationship with your client’s lender important?
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Fall 2010 Zephyr Real Estate Report: News and Updates for Homeowners

November 9, 2010 By Leave a Comment
Filed Under: Quarterly Real Estate Report, Real Estate Market Updates & Reports Tagged With: , , , , ,

Better Credit Scores Get Better Mortgage Rates

November 7, 2010 By Leave a Comment

Mortgage approvals are primarily based on good income, good equity and strong credit, and, without all three, the best rates of the day remain out of reach. Do something about your credit score.

Related posts:

  1. Better Credit Scores Get Better Mortgage Rates
  2. See How Credit Missteps Lower Your Credit Score
  3. Basic Credit Scoring Tips For A Better Mortgage Rate
Filed Under: Mortgage Updates, Real Estate Market Updates & Reports Tagged With: , , ,

Latest Issue of Zephyr Real Estate S.F. MarketTracker week of 10/26/2010

October 26, 2010 By Leave a Comment

Real Estate Update for San Francisco Homebuyers and Sellers courtesy of: Cheryl Bower DRE# 01505551 415.999.3450 cheryl@cbower.com Most Recent Sales citywide in the last 21 days Register on zephyrsf.com for a free account; no strings attached! Or sign up for MarketTracker in the purple box to the right In This Issue… San Francisco Market Overview [...]

Filed Under: Real Estate Market Updates & Reports, What is Market Tracker? Tagged With: , , , , ,

Time To Refinance? Mortgage Rates Down 1.00 Percent Since April

October 22, 2010 By Leave a Comment

The rate-and-fee combination you’d get in your home state is different from the rate-and-fee combination you’d get if you lived somewhere else. In the West, rates are low and fees are high; in the Southeast, it’s the opposite.

Related posts:

  1. Mortgage Rates Make New Lows For The 9th Week In A Row
  2. What’s Ahead For Mortgage Rates This Week : April 27, 2009
  3. Don’t Rush To Refinance That ARM — It May Be Adjusting To 3 Percent Or Lower
Filed Under: Mortgage Updates, Real Estate Market Updates & Reports Tagged With: , , ,

Jobs Data Shows Private Sector Growth, Hints At Lower Mortgage Rates

October 15, 2010 By Leave a Comment

According to the government, 95,000 jobs were lost in September. Economists expected a net loss of 5,000. Mortgage rates should improve on the data today.

Related posts:

  1. July Jobs Data Is Weak, But Strong Enough To Sock Mortgage Rates
  2. The January 2010 Jobs Report May Lead Mortgage Rates And Home Prices Higher
  3. Nervous About Mortgage Rates Rising? Lock Thursday — Ahead Of Friday’s Jobs Report
Filed Under: Real Estate Market Updates & Reports Tagged With: , ,

Zephyr Real Estate Wins IMA Website Award!

October 7, 2010 By Leave a Comment
Filed Under: Buyer/Seller/Renter Resources, Real Estate Market Updates & Reports Tagged With: , , , , ,
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